Lead: Salesman refers to the person who undertakes specific special economic business in the organization, such as production, planning, sales, accounting, statistics, price, advertising and other specific business. At the same time, it also refers to the personnel responsible for a specific business operation. The following is the work plan of my loan collection salesman. I hope you like it!
Work Plan for Loan Salesperson 1
Leading comrades:
Hello everyone!
Time flies. The tense and fulfilling 20xx years have passed. This year, I lived, studied and worked with my comrades. We have established a profound friendship with each other, and at the same time honed our working ability in practice, which greatly improved my professional ability and management level. Of course, this is inseparable from the help of superior leaders and everyone's support. Thank you very much!
Since I took office, under the correct leadership of the superior trade union, I have paid great attention to improving my theoretical quality, policy level and ideological cultivation. Understand and master the party's line, principles and policies in time, conscientiously implement the rules and regulations of the superior association, and correctly understand the spirit of the instructions of the superior. 1 year, I have actively participated in various activities organized by the higher party committees, consciously observed the party's political discipline and financial laws and regulations, been strict with myself in my work and life, tried to set an example, and successfully completed various tasks assigned by the Associated Press. Looking back on our work in the past year, we have made efforts in the following aspects:
1. In terms of business operation, I fully implement the concept of "improving efficiency and making large scale" of municipal and district associations, and actively advocate and carefully cultivate the business philosophy of "market-oriented, customer-centered and benefit-oriented" in the whole society.
In March of 20xx, I transferred from two clubs to Husha Club. Faced with a large proportion of non-performing loans and a sharp drop in deposits, I deeply feel that the responsibility on my shoulders is great. On the basis of analyzing the situation and thoroughly understanding the current business situation, I sincerely United and coordinated with my team members and organized various meetings in time, which fully mobilized the enthusiasm of employees.
First, clearly put forward the guiding principles, market positioning and objectives of customer marketing, carefully design the methods and steps of customer marketing, study the linked assessment method with strong operability, respond to the superior credit union to launch the account manager system in time, position the savings field, change "customers around the bank" to "customers around the bank", and attract a large number of outstanding customers to "settle down" in credit cooperatives;
The second is to reform the assessment methods of fund organizations and further improve the incentive mechanism of deposit business; The success of the deposit business is directly linked to the interests of employees. The deposit tasks are decomposed into outlets, counter groups and employees, which are directly linked to the wages they are responsible for, and are notified monthly and rewarded in sections.
Third, strengthen window service, on the one hand, actively carry out high-quality civilized competition activities to establish an image for Hu Sha and improve its competitiveness; On the other hand, it is necessary to improve the service quality, implement the promised service and promote the extraordinary development of the IMF.
Fourth, in the competition of the deposit industry, the Bank expanded its business by adopting the principles of "fixing deposits with loans, and absorbing deposits with loans" and "consolidating old customers and developing new customers", which made the Bank's deposit-absorbing funds have a new growth; At the same time, the loan increment was optimized and the stock was activated to some extent. In financial management, we implement the principle of "living within our means and practicing economy", strictly manage expenses, examine and approve expenses, and call on all employees to save every drop of water and every kilowatt hour. In that year, it achieved good comprehensive benefits and won the "20xx Annual Benefit Award" from the Municipal Association.
Second, in invigorating the internal mechanism, we intensified the reform, made useful explorations in establishing the appointment mechanism of cadres who can be promoted and demoted, and the income distribution mechanism with more talents and less talents, and issued the Implementation Measures for Performance-linked Credit Cooperatives in Hu Sha, which effectively mobilized the enthusiasm of all employees.
In May this year, according to the arrangement of trade unions, we promoted the reform of personnel system and optimized the allocation of human resources. According to the principle of employing people with both ability and political integrity, the important positions of credit cooperatives are openly selected and competitive for posts. In order to truly realize the principles of "being above the able, being below the mediocre and being equal to the mediocre", the Council followed the principles of "openness, justice, fairness and selecting the best", and 12 comrades competed for new positions through procedures such as making plans, putting forward ideas and checking and evaluating. For successful comrades, I ask them to make detailed work plans and strengthen assessment; Help them solve various problems in their study, work and life; Encourage their morale and let them get into the role quickly. Driven by them, a positive atmosphere has been formed among the employees of the whole society, which has laid a good foundation for the credit cooperatives to complete their work throughout the year.
Third, in the aspect of image building, the suggestion of concentrating limited financial resources to transform outlets in accordance with the principles of unified standards, economic applicability and elegant characteristics was put forward and unanimously adopted by the board of directors.
Over the past year, according to the requirements of CIS, our agency has completely renovated its headquarters and Furong Branch, and will soon expand its site selection and buy a new facade for Qiaotou Branch. Among them, the Ministry of Human Resources and Social Security cooperated with the municipal government to transform the lighting project, and at the same time updated, developed and upgraded the business facilities, which enhanced the service functions of urban institutions. Through printing, we printed and presented savings commemorative bags and calendars for depositors, hung sign light boxes, and actively participated in public welfare activities, which polished the brand of credit cooperatives and effectively improved their visibility and reputation. In order to further improve the service quality and service level, our department supervised the introduction and implementation of service standards and punishment measures for counter personnel, and organized job training and technical competitions to improve service efficiency.
Fourth, in the basic management, we will unswervingly pay close attention to the strict management of cooperatives.
Insist on using the system to manage people and things. First, we must establish and improve the system. According to the actual situation of our company, we have formulated a series of rules and regulations, such as "Measures for Post Assessment of Counter Personnel", "Basic Accounting System" and "System for Building a Clean Government", so that all work has rules to follow and employees clearly know what to do and what not to do. The second is to implement the system. No matter how good the system is, if it is not implemented, it will become a phantom. I promptly urged the supervisors of all lines to actively and boldly carry out their work and conduct safety inspection and health inspection once a month; Conduct a quarterly accounting check and credit check; Organize personnel to carry out audit supervision irregularly, so that employees form a good habit of handling business in strict accordance with operating procedures, which greatly improves the basic management level of our agency. Over the past year, there has not been a case of violation of laws and regulations in our agency, and the number of mistakes and accidents has also been greatly reduced. At the end of the year, all the lines have achieved good results.
Fifth, in team building, we pay attention to team building.
A crooked stick will have a crooked shadow. Since I took office, I have attached great importance to team building, strengthened unity, and constantly strengthened measures to put team building on the right track. First, give full play to the principle of democratic centralism, unify thoughts, adhere to frequent ventilation and diligent consultation, discuss and study the major decisions of credit cooperatives and the implementation of various rules and regulations at the board meeting, and base work decisions on collective wisdom. On the other hand, we aim at the same goal in action, do our duty, do our duty and don't shirk our responsibility. This strong work enthusiasm and spirit directly infected all the staff, and we will jointly create a new situation in our work.
Six, adhere to the principle of "both hands, both hands should be hard" in the work, and strengthen the construction of party style and clean government and spiritual civilization.
In this regard, I take the lead in honesty and self-discipline, consciously accept the supervision of the masses, strictly implement the relevant provisions on building a clean and honest party style, set an example, bear in mind the fundamental purpose of serving the people wholeheartedly, and quite adhere to the fine style of running a cooperative with diligence and thrift. During my tenure, I did not violate any rules or regulations. At the same time, the ideological and political work of employees has been strengthened and improved, and the management and supervision of team members and staff around them have been strengthened. In 20xx, Hu Sha Credit Cooperative won the title of municipal civilized unit again.
Looking back on this year, we have gained a lot in our work, but there are still gaps and deficiencies from the requirements of our superiors, especially in the study of scientific and technological knowledge. In the future work, I will sum up my experience, carry forward my achievements, overcome my shortcomings, make persistent efforts, and work with all the staff of Hu Sha Credit Cooperatives to create a bright future for the cause of credit cooperatives!
Finally, I warmly welcome your valuable advice to me.
Loan salesman work plan 2
20XX is an extraordinary year for our company and ourselves. There are two reasons. First, from the big objective situation, XXX has given Yanchi Credit Union a very strict assessment task. Therefore, the assessment tasks assigned by the alliance to Huianbao Credit Union, especially the credit assessment indicators, are also very strict. Secondly, from my own point of view, I transferred myself to be an account manager and faced new problems and pressures. In any case, under the guidance and instructions of the two directors of this agency, with the help of my colleagues, I will study with an open mind, make positive progress, bravely face difficulties and pressures, take practical actions as a unit, and do my best to successfully complete various credit assessment indicators, laying a solid foundation for future work. The specific work plan is as follows, please review it, and if there is anything wrong, please criticize and correct me.
First, actively study and enter the work role as soon as possible.
Facing the new position of account manager, realistically speaking, there is still a great lack of ideological understanding, business knowledge and working methods, which is a great obstacle to engaging in the position of account manager. Therefore, in order to quickly adapt to this new position, do a good job and make achievements, we must actively learn all kinds of business knowledge, skills and working methods related to credit work. The first way of learning is related books and materials. Second, ask for instructions and suggestions from the two directors, report frequently and communicate more. At the same time, learn from the other two account managers with an open mind, and often communicate with customers to understand the situation. Take these measures to improve your working ability quickly.
Second, raise awareness and actively market loans and deposits.
First, according to my experience in recent years, I feel that as an account manager, I can't just sit in the office and wait for business, customers and deposits. I also need to realize that with the entry of CCB and Ningxia Bank into Yanchi, loans will need to be vigorously marketed in the future. Therefore, we should break the previous thinking of "waiting", actively establish the consciousness of "going out", go out of the office and investigate the market and customers.
Second, "going out" is also of great benefit to deposit marketing. We can lower ourselves, improve our service and publicity awareness, go to the market, go to customers, find quality customers, publicize our financial policies and service methods, let customers fully understand the benefits of some financial services and attract customers to deposit in our company.
The third is to improve the "occupancy rate" of funds for customers with loans.
Through active communication with customers with loans, especially large customers with loans, we will try our best to make the turnover and working capital of customers with loans deposit in our company, turn around in our company and deposit in our company, so that these customers can really play a positive role in the stability and growth of our deposits.
Third, diligently check the facts to ensure the quality of new loans.
The income from loan business is the main source of income in our society. To increase income, we must increase the scale, but there is an essential premise, that is, while increasing the scale, we must ensure the quality of loans, especially the quality of new loans. This is the "lifeline" for the healthy and stable development of our society. Therefore, in the future,
In the process of loan, I will pay attention to investigation, strictly select loan customers and guarantors, and give priority to mortgage loans when conditions permit. At the same time, I do a good job in the pre-loan investigation, in-loan examination and post-loan inspection of each loan. I have done the "three inspections" of each loan in detail, not just in form and surface, to ensure that each loan is scattered and profitable under normal circumstances.
Fourth, try your best to actively recover non-performing loans.
While ensuring the quality of new loans, we should try our best to recover existing non-performing loans, abandon the erroneous consciousness of "new officials ignore old debts" with practical actions, take the reduction and control of non-performing loans as a long-term work, consult leaders and experienced colleagues, seek countermeasures, strengthen communication with lenders and guarantors, think about problems and countermeasures from the perspective of the parties, and rely on social forces.
How to be a credit salesman and run a business?
First of all, loan officers need strong diplomatic skills and extensive contacts, otherwise it will be difficult to do so.
When someone borrows money from the bank due, the bank will discharge the loan officer to call for debt collection (the skills of debt collection will be trained by the bank).
Or if someone applies for a loan, the bank will bring a loan officer to the door.
There are two kinds of general salesmen (loan officers), one is enterprise salesmen, that is, they are engaged in business in enterprises and companies.
One is an individual salesman, that is, handling personal loans.
In addition, the bank will certainly give you a desk, but you mainly have to run outside. Of course it's easy to do it if you have a relationship, but it's difficult if you don't. Because every salesman has indicators.
What should loan salesmen pay attention to?
The abilities and precautions that a loan salesman should have:. Strong professional knowledge and business skills. In the process of handling credit business, we must firmly grasp the following five points: 1, review the license, 2, choose the correct text, 3, fill in the contents, 4, stamp and sign, 5, straighten out the procedures. Rich relevant knowledge A qualified and competent loan officer should have rich relevant knowledge in addition to skilled professional theoretical knowledge and skilled operation skills, which is more conducive to the smooth development of credit work. Should have interpersonal skills, have a keen intuition and cognition of the customer's personality, emotions and needs; Good endurance and ability to cope with interpersonal pressure, able to flexibly use a variety of interpersonal skills and methods for different situations and different communication objects; When interacting with customers, they can show their understanding and concern for customers; Have strong emotional control ability, be flexible and bear greater psychological pressure in the process of fighting for the rights and interests of enterprises. The ability to observe and judge refers to the ability to observe the quality of customers through their behavior and social relations; Objective judgment; Be good at observing words and feelings; Collect information from many parties and verify your judgment accurately. Whether the loan can be repaid in time depends largely on the customer's willingness to repay, and the willingness to repay depends largely on the customer's personality. Therefore, before the loan is issued, we should focus on the customer's character. Generally, a loan will not take more than one week from application to issuance. In this short period of time, loan officers should timely and accurately grasp the customer's character and character. Small business loan officers with strong ability to withstand pressure have great pressure on their performance, so they need to maintain a good positive attitude, overcome difficulties, adjust their emotions in time and maintain sufficient confidence. In particular, overdue customers need patience and endurance, as well as good pressure resistance. If they don't touch the bottom line of personality and make unreasonable and insulting language attacks on each other, they should turn a blind eye and turn a deaf ear. Really no, you can only use extreme means to extraordinary people. A knowledgeable loan officer should have a certain brain and be good at analysis and thinking. In the work of credit management, some enterprises may whitewash their financial statements to cover up their real financial situation and operating results for their own benefit. At this time, the loan officer should use his knowledge to identify and analyze the problems, so as to have a correct and comprehensive understanding of the business situation of the enterprise. If you can't clearly understand the operating conditions of the customer's enterprise, you will rush to borrow money and finally can't recover the loan, which will bring great risks to the company.
How to do a good job in financial sales? How to be a good financial loan salesman
You should go to a small company to make wealth management products first. The assessment of small companies is not so strict. Join the customer first, even if you can't bill. Just save the customers.
When we save our customers and then move to a big company, the profit drive will be great. Small companies and platforms, customers are not at ease. Well, it's human now. It's a big company. The top two or three big companies in this province or this city will always have a high degree of customer trust. Well, profit-driven is enough, and it's easy to bill.
When high-quality customers have accumulated, you can start to invest1100,300,000. With the improvement of sales level, the customer base of such high-value financial products has also accumulated. Therefore, it is reliable to determine the correct strategic direction first and then work hard at the tactical level.
: Problems in financial sales
First, the sales level is limited, and dealing with these rich people is at a loss, which tests a comprehensive sales ability. From sales skills to eloquence, from service ability to situation judgment, you need training to improve your ability, not just listening to three suggestions.
Second, there is no customer base, and now customers are accumulating from scratch, which also takes a lot of time.